The new millennium ended a twenty year bull market.

Investors suffered through a roller coaster decade counting themselves lucky if they ended up where they started. With 2009, a new bull market began with much disbelief and distrust. Navigating a new world became an over whelming task for many investors. With market trends ebbing and flowing as ocean tides, fear has been the common emotional tie for investors. A disciplined, data driven rules based process that is repeatable provides a resolution for portfolio construction and risk management.